DCC
DCC is a feature that allows customers to complete the payment in their currency or your local currency.
The amounts are calculated using a third-party conversion rate provider with up-to-date conversion rates.
Please select a topic:
Additional notes
Updating DCC authorisations
It is possible to perform updates on DCC payments prior to settlement, by submitting a TRANSACTIONUPDATE request.
It is not possible to change the currency of the payment after it has been authorised by the acquiring bank.
Partial settlement
You can use a TRANSACTIONUPDATE request to update the settle amount of an authorised DCC payment. This can be used to settle a transaction for a lower value than was initially authorised. The remaining funds will be released by the card issuer once the authorisation code has expired (usually approx. 7 days).
The new settle amount is specified in the settlebaseamount field (this represents the amount in the customer’s currency). It must be lower than the total amount authorised in the customer’s currency.
If a partial settlement request has been processed and the customer has made the payment in the customer’s currency, the original conversion rate of the transaction is used to calculate the respective settle amount in the merchant’s currency.
#!/usr/bin/python import securetrading stconfig = securetrading.Config() stconfig.username = "[email protected]" stconfig.password = "Password1^" st = securetrading.Api(stconfig) update = { "requesttypedescriptions": ["TRANSACTIONUPDATE"], "filter":{ "sitereference": [{"value":"test_site12345"}], "transactionreference": [{"value":"1-2-3"}] }, "updates":{"settlebaseamount":"960"} } strequest = securetrading.Request() strequest.update(update) stresponse = st.process(strequest) #stresponse contains the transaction response
<?php
if (!($autoload = realpath(__DIR__ . '/../../../autoload.php')) && !($autoload = realpath(__DIR__ . '/../vendor/autoload.php'))) {
throw new Exception('Composer autoloader file could not be found.');
}
require_once($autoload);
$configData = array(
'username' => '[email protected]',
'password' => 'Password1^',
);
$requestData = array(
'requesttypedescriptions' => array('TRANSACTIONUPDATE'),
'filter' => array(
'sitereference' => array(array('value' => 'test_site12345')),
'transactionreference' => array(array('value' => '1-2-3'))
),
'updates' => array('settlebaseamount' => '960')
);
$api = \Securetrading\api($configData);
$response = $api->process($requestData);
var_dump($response->toArray());
?>
curl --user [email protected]:Password1^ <DOMAIN>/json/ -H "Content-type: application/json" -H "Accept: application/json" -X POST -d '{ "alias": "[email protected]", "version": "1.00", "request": [{ "requesttypedescriptions": ["TRANSACTIONUPDATE"], "filter":{ "sitereference": [{"value":"test_site12345"}], "transactionreference": [{"value":"1-2-3"}] }, "updates":{"settlebaseamount":"960"} }]}'
{"alias":"[email protected]","version":"1.00","request":[{"requesttypedescriptions":["TRANSACTIONUPDATE"],"filter":{"sitereference":[{"value":"test_site12345"}],"transactionreference":[{"value":"1-2-3"}]},"updates":{"settlebaseamount":"960"}}]}
<?xml version='1.0' encoding='utf-8'?> <requestblock version="3.67"> <alias>[email protected]</alias> <request type="TRANSACTIONUPDATE"> <filter> <transactionreference>1-2-3</transactionreference> <sitereference>test_site12345</sitereference> </filter> <updates> <settlement> <settlebaseamount>960</settlebaseamount> </settlement> </updates> </request> </requestblock>
Replace <DOMAIN> with a supported domain. Click here for a full list.
Using your own DCC provider
If preferred, you can perform your own currency conversion without performing a CURRENCYRATE request or refer to a pre-existing parent CURRENCYRATE request. To do this, submit an AUTH request (as outlined on this page), while ensuring all the required fields are submitted using valid conversion rate details from your DCC provider.
Select acquirers may require certain information to be displayed to the customer in a receipt, following a transaction, such as the conversion rate used and the name of the conversion rate provider. Please be sure to check with your acquiring bank that you are displaying all the information required.
Processing payments
If you are unsure, please contact our Support Team for assistance.
DCC is a feature that allows customers to complete the payment in their currency or your local currency. The amounts are calculated using a third-party conversion rate provider with up-to-date conversion rates.
Process overview
This page explains how to utilise DCC to provide the customer a choice between two currencies prior to completing the payment:
- The customer’s currency – the currency associated with their card.
- The merchant’s currency – the local currency associated with your account.
What will the customer see?
- During the checkout process, your website prompts the customer for their address and card details.
- On the next page, your checkout displays a choice of two currencies, with which the customer can choose to complete the payment.
- Once the customer chooses their preferred currency, they can click “Pay” and complete the payment.
How does it work behind the scenes?
The DCC payment flow can be split into three main parts, as shown below:
Your checkout form will need to prompt the customer for their card and billing details (this process follows the standard payment flow). Submit these details, along with the transaction amount, in a CURRENCYRATE request, using our Webservices API.
We will contact your conversion rate provider to obtain the latest conversion rate between the customer’s currency and the merchant’s currency. We will return a CURRENCYRATE response that contains the amount in both the customer’s currency and merchant’s currency
You must then offer the customer a choice between using either the customer’s currency or the merchant’s currency to complete the payment. You will need to ensure your checkout form has been modified to reference our JavaScript Library, and that the payload submitted within the JWT includes additional fields regarding the currency conversion performed.
- When we discuss the customer’s currency, we are referring to the currency associated with their card. This often correlates to the country the card was issued in, and as such, you may find customers are more accustomed to processing payments in this currency.
- When we discuss the merchant’s currency, this is the local currency assigned to your account with us. Local customers to your business may be more accustomed to processing payments in this currency.
- As part of the DCC process, you will need to provide the customer with a choice between the customer’s currency and your local merchant currency, prior to processing the payment. We refer to the currency chosen by the customer as the final currency.
Requirements
Before you get started, please be aware of the following restrictions:
We support DCC for Visa and Mastercard-branded payment methods.(The customer’s card must support DCC payments)
- You will need to have a merchant number that allows DCC. For further information, please contact your acquiring bank.
- You will also need an account with a conversion rate provider. To set up a conversion rate provider on your Trust Payments account, please contact our Sales Team.
- Once the above have been completed, you will need to contact our Support Team to enable DCC on your Trust Payments account.
1. Submit CURRENCYRATE request
The CURRENCYRATE request is used to determine both the customer’s currency and the amount in the customer’s currency.
Example request
The following is an example of a CURRENCYRATE request.
#!/usr/bin/python import securetrading stconfig = securetrading.Config() stconfig.username = "[email protected]" stconfig.password = "Password1^" st = securetrading.Api(stconfig) currencyrate = { "sitereference": "test_site12345", "requesttypedescriptions": ["CURRENCYRATE"], "accounttypedescription": "CURRENCYRATE", "dcctype": "DCC", "dccbaseamount": "1050", "dcccurrencyiso3a": "GBP", "orderreference": "My_Order_123", "pan": "4111111111111111", "expirydate": "12/2020", "securitycode": "123" } strequest = securetrading.Request() strequest.update(currencyrate) stresponse = st.process(strequest) #stresponse contains the transaction response
<?php
if (!($autoload = realpath(__DIR__ . '/../../../autoload.php')) && !($autoload = realpath(__DIR__ . '/../vendor/autoload.php'))) {
throw new Exception('Composer autoloader file could not be found.');
}
require_once($autoload);
$configData = array(
'username' => '[email protected]',
'password' => 'Password1^',
);
$requestData = array(
'sitereference' => 'test_site12345',
'requesttypedescriptions' => array('CURRENCYRATE'),
'accounttypedescription' => 'CURRENCYRATE',
'dcctype' => 'DCC',
'dccbaseamount' => '1050',
'dcccurrencyiso3a' => 'GBP',
'orderreference' => 'My_Order_123',
'pan' => '4111111111111111',
'expirydate' => '12/2020',
'securitycode' => '123'
);
$api = \Securetrading\api($configData);
$response = $api->process($requestData);
var_dump($response->toArray());
?>
curl --user [email protected]:Password1^ <DOMAIN>/json/ -H "Content-type: application/json" -H "Accept: application/json" -X POST -d '{ "alias":"[email protected]", "version": "1.00", "request": [{ "sitereference": "test_site12345", "requesttypedescriptions": ["CURRENCYRATE"], "accounttypedescription": "CURRENCYRATE", "dcctype": "DCC", "dccbaseamount": "1050", "dcccurrencyiso3a": "GBP", "orderreference": "My_Order_123", "pan": "4111111111111111", "expirydate": "12/2020", "securitycode": "123" }]}'
{"alias":"[email protected]","version":"1.00","request":[{"sitereference":"test_site12345","requesttypedescriptions":["CURRENCYRATE"],"accounttypedescription":"CURRENCYRATE","dcctype":"DCC","dccbaseamount":"1050","dcccurrencyiso3a":"GBP","orderreference":"My_Order_123","pan":"4111111111111111","expirydate":"12\/2020","securitycode":"123"}]}
<?xml version='1.0' encoding='utf-8'?> <requestblock version="3.67"> <alias>[email protected]</alias> <request type="CURRENCYRATE"> <operation> <sitereference>test_site12345</sitereference> <accounttypedescription>CURRENCYRATE</accounttypedescription> </operation> <merchant> <orderreference>My_Order_123</orderreference> </merchant> <billing> <dcc type="DCC"> <amount currencycode="GBP">1050</amount> </dcc> <payment> <pan>4111111111111111</pan> <expirydate>12/2020</expirydate> <securitycode>123</securitycode> </payment> </billing> </request> </requestblock>
Replace <DOMAIN> with a supported domain. Click here for a full list.
Field specification
| Field | Format | Description | |
 |
accounttypedescription XPath: /operation/accounttypedescription |
Alpha (20) | This must be submitted as “CURRENCYRATE”. |
|
dccbaseamount XPath: /billing/dcc/amount |
Numeric (13) | The amount in the merchant’s currency. This should be in base units with no commas or decimal points, so £10 would be 1000. |
|
dcccurrencyiso3a XPath: /billing/dcc/amount/@currencycode |
Alpha (3) | The merchant’s currency in iso3a format. Click here for a full list of available currencies. |
|
dcctype XPath: /billing/dcc/dcctype |
Alpha (3) | The value submitted must be “DCC”. |
|
expirydate XPath: /billing/payment/expirydate |
Date MM/YYYY | The expiry date printed on the card. |
 |
orderreference XPath: /merchant/orderreference |
Alphanumeric including symbols (255) |
Your unique order reference that can be stored on the Trust Payments system. |
|
pan XPath: /billing/payment/pan |
Numeric (12-19) | This is the long number printed on the front of the customer’s card. |
|
requesttypedescriptions XPath: /@type |
Alpha (20) | You must submit “CURRENCYRATE”, as shown in the request example. |
|
securitycode XPath: /billing/payment/securitycode |
Numeric (3-4) | This is the three digit security code printed on the back of the card.
(For AMEX cards, this is a 4 digit code found on the front of the card) This field is not strictly required by Trust Payments, but it is highly recommended for the processing of security code checks. Additionally, some banks may decline the payment if the security code is not present. |
|
sitereference XPath: /operation/sitereference |
Alphanumeric & underscore (50) |
The site reference relates to your individual account which you received on setup. If you do not know your site reference, please contact our Support Team. |
2. Receive CURRENCYRATE response
This response contains the customer’s currency and converted amount, calculated using the latest conversion rate.
Example response
{
u 'requestreference': u 'A0bxh87wt',
u 'version': u '1.00',
u 'response': [{
u 'transactionstartedtimestamp': u '2017-04-21 09:26:46',
u 'dcccurrencyiso3a': u 'GBP',
u 'livestatus': u '0',
u 'englishacquirertypedescription': u 'Acquirer',
u 'iin': u '411111111',
u 'dcctype': u 'DCC',
u 'dccbaseamount': u '1050',
u 'errorcode': u '0',
u 'orderreference': u 'My_Order_123',
u 'dccconversionratesource': u 'Conversion rate source',
u 'merchantnumber': u '00000000',
u 'dccexpirytimestamp': u '2017-04-25 14:26:00',
u 'transactionreference': u '23-71-101',
u 'paymenttypedescription': u 'VISA',
u 'baseamount': u '1641',
u 'dccmarginratepercentage': u '2.5000',
u 'accounttypedescription': u 'CURRENCYRATE',
u 'acquirerresponsecode': u '0',
u 'requesttypedescription': u 'CURRENCYRATE',
u 'acquirerresponsemessage': u 'Success',
u 'currencyiso3a': u 'USD',
u 'maskedpan': u '411111######1111',
u 'errormessage': u 'Ok',
u 'issuercountryiso2a': u 'ZZ',
u 'dccconversionrate': u '1.5626',
u 'operatorname': u '[email protected]'
}]
}
array(3) {
["requestreference"] => string(9) "A3579dkvx"
["version"] => string(4) "1.00"
["response"] => array(1) {
[0] => array(26) {
["transactionstartedtimestamp"] => string(19) "2017-04-21 09:26:46"
["dcccurrencyiso3a"] => string(3) "GBP"
["livestatus"] => string(1) "0"
["englishacquirertypedescription"] => string(8) "Acquirer"
["iin"] => string(9) "411111111"
["dcctype"] => string(3) "DCC"
["dccbaseamount"] => string(4) "1050"
["errorcode"] => string(1) "0"
["orderreference"] => string(12) "My_Order_123"
["dccconversionratesource"] => string(22) "Conversion rate source"
["merchantnumber"] => string(8) "00000000"
["dccexpirytimestamp"] => string(19) "2017-04-25 14:26:00"
["transactionreference"] => string(9) "23-71-101"
["paymenttypedescription"] => string(4) "VISA"
["baseamount"] => string(4) "1641"
["dccmarginratepercentage"] => string(6) "2.5000"
["accounttypedescription"] => string(12) "CURRENCYRATE"
["acquirerresponsecode"] => string(1) "0"
["requesttypedescription"] => string(12) "CURRENCYRATE"
["acquirerresponsemessage"] => string(7) "Success"
["currencyiso3a"] => string(3) "USD"
["maskedpan"] => string(16) "411111######1111"
["errormessage"] => string(2) "Ok"
["issuercountryiso2a"] => string(2) "ZZ"
["dccconversionrate"] => string(6) "1.5626"
["operatorname"] => string(23) "[email protected]"
}
}
}
{"requestreference":"W23-fjgvn3d8","version":"1.00","response":[{"transactionstartedtimestamp":"2017-04-21 09:26:46","dcccurrencyiso3a":"GBP","livestatus":"0","englishacquirertypedescription":"Acquirer","iin":"411111111","dcctype":"DCC","dccbaseamount":"1050","errorcode":"0","orderreference":"My_Order_123","dccconversionratesource":"Conversion rate source","merchantnumber":"00000000","dccexpirytimestamp":"2017-04-25 14:26:00","transactionreference":"23-71-101","paymenttypedescription":"VISA","baseamount":"1641","dccmarginratepercentage":"2.5000","accounttypedescription":"CURRENCYRATE","acquirerresponsecode":"0","requesttypedescription":"CURRENCYRATE","acquirerresponsemessage":"Success","currencyiso3a":"USD","errormessage":"Ok","issuer":"Test Issuer","issuercountryiso2a":"ZZ","dccconversionrate":"1.5626","operatorname":"[email protected]"}],"secrand":"zO9"}
<?xml version='1.0' encoding='utf-8'?>
<responseblock version="3.67">
<requestreference>X881587174</requestreference>
<response type="CURRENCYRATE">
<merchant>
<orderreference>My_Order_123</orderreference>
<merchantnumber>00000000</merchantnumber>
<operatorname>[email protected]</operatorname>
</merchant>
<transactionreference>23-71-101</transactionreference>
<billing>
<amount currencycode="USD">1641</amount>
<payment type="VISA">
<iin>411111111</iin>
<issuercountry>ZZ</issuercountry>
<issuer>Test Issuer</issuer>
</payment>
<dcc>
<marginratepercentage>2.5000</marginratepercentage>
<amount currencycode="GBP">1050</amount>
<dcctype>DCC</dcctype>
<conversionrate>1.5626</conversionrate>
<conversionratesource>Conversion rate source</conversionratesource>
<expirytimestamp>2013-06-09 18:45:00</expirytimestamp>
<dccproviderdata>01020304120021250373330603INR0803356200513800210875190000300124306MBB015</dccproviderdata>
</dcc>
</billing>
<timestamp>2013-06-05 14:45:56</timestamp>
<live>0</live>
<error>
<message>Ok</message>
<code>0</code>
</error>
<acquirerresponsecode>0</acquirerresponsecode>
<operation>
<processor>Test DCC Provider</processor>
<accounttypedescription>CURRENCYRATE</accounttypedescription>
</operation>
<acquirerresponsemessage>Success</acquirerresponsemessage>
</response>
<secrand>1Enh1O0h</secrand>
</responseblock>
After you have received the CURRENCYRATE response, check if the currency returned in the currencyiso3a field is different to that in the dcccurrencyiso3a field.
| If currencies differ: | If currencies are the same: |
| Offer the customer a choice between processing the payment in the customer’s currency or the merchant’s currency.
Note: Select acquirers may require certain information to be displayed to the customer on the currency choice page, such as the conversion rate used and the name of the conversion rate provider. Please be sure to check with your acquiring bank that you are displaying all the information required. |
Prompt the customer to confirm they would like to proceed before processing the payment. |
Field specification
Failing to do so, by deferring the settlement date, may result in the customer paying an incorrect amount and invalidate your agreement with the conversion rate provider or acquirer.
| Field | Format | Description | |
 |
accounttypedescription XPath: /operation/accounttypedescription |
Alpha (20) | This is returned as “CURRENCYRATE”. |
 |
acquirerresponsecode XPath: /acquirerresponsecode |
Alphanumeric (255) | Used by the DCC provider to indicate the outcome of the request. |
|
acquirerresponsemessage XPath: /acquirerresponsemessage |
Alphanumeric (255) | |
|
baseamount XPath: /billing/amount |
Numeric (13) | The total amount in the customer’s currency. This value includes the conversion fee applied to cover the cost of converting the amount to their local currency. The amount is in base units with no commas or decimal points, so £10 would be 1000. |
|
currencyiso3a XPath: /billing/amount/@currencycode |
Alpha (3) | The customer’s currency in iso3a format. This is determined by analysing the card details submitted in the request. |
|
dccbaseamount XPath: /billing/amount |
Numeric (13) | The amount in the merchant’s currency. This should be in base units with no commas or decimal points, so £10 would be 1000. The value returned in the response will match the value submitted in the request. |
|
dccconversionrate XPath: /billing/dcc/conversionrate |
Numeric (255) | The conversion rate used to calculate the amount in the customer’s currency. |
|
dccconversionratesource XPath: /billing/dcc/conversionratesource |
Alphanumeric (255) | The source of the conversion rate returned from the DCC provider. |
|
dcccurrencyiso3a XPath: /billing/dcc/amount/@currencycode |
Alpha (3) | The merchant’s currency in iso3a format. Click here for a full list of available currencies. |
|
dccexpirytimestamp XPath: /billing/dcc/expirytimestamp |
Date Time “YYYY-MM-DD HH:MM:SS” |
The expiry date of the CURRENCYRATE look-up. Payments using the CURRENCYRATE as a parent must settle before this date and time. Format: YYYY-MM-DD HH:MM:SS |
|
dccmarginratepercentage XPath: /billing/dcc/marginratepercentage |
Numeric (11) | The percentage used to calculate the currency conversion fee (4 decimal places), automatically added to the amount in the customer’s currency by the DCC provider. |
|
dccprovider XPath: /billing/dcc/provider |
Alphanumeric (255) | The name of the third-party DCC provider that has provided the conversion rate used in the payment. |
|
dccproviderdata XPath: /billing/dcc/dccproviderdata |
Alphanumeric (255) | A unique string that contains information on the calculated conversion rate, returned directly from certain conversion rate providers. |
|
dcctype XPath: /billing/dcc/dcctype |
Alpha (3) | This is returned as “DCC”. |
|
englishacquirertypedescription XPath: /operation/processor |
Alphanumeric (255) | The name of the third-party DCC provider that has provided the conversion rate used in the payment. This is an English description of the provider that can be displayed on your pages. |
|
iin XPath: /billing/payment/iin |
Numeric (9) | Issuer Identification Number (IIN) – This is the first 9 digits from the start of the customer’s card number. |
|
issuercountryiso2a XPath: /billing/payment/issuercountry |
Alpha (2) | The country for the customer’s card issuer. This will be in ISO2A format. Click here for a full list of country codes. |
|
maskedpan XPath: /billing/payment/pan |
Alphanumeric including “#” (12-19) | The customer’s card number. This is masked in the response. Part of the number is intentionally obscured by “#” characters, e.g. 411111######0211. |
|
paymenttypedescription XPath: /billing/payment/@type |
Alpha (20) | Payment method (e.g. “VISA” or “MASTERCARD”). |
|
requesttypedescription XPath: /@type |
Alpha (20) | This is returned as “CURRENCYRATE”. |
|
transactionreference XPath: /transactionreference |
Alphanumeric including hyphens (25) |
A unique reference for the transaction assigned by Trust Payments. |
3. Process transaction
After you have received the CURRENCYRATE response and prompted the customer to choose the final currency, the customer will need to click “Pay” on your checkout form in order to complete the payment. You will need to ensure your checkout form has been updated to reference our JavaScript Library, and that the payload submitted as part of the JWT has been updated to include additional fields regarding the currency conversion (as shown below).
{
"payload":
{
"accounttypedescription":"ECOM",
"baseamount":"1050",
"currencyiso3a":"GBP",
"sitereference":"test_site12345",
"parenttransactionreference": "23-71-101",
"dcctype": "DCC",
"dccoffered": "1",
"dccconversionrate": "1.5626",
"dcccurrencyiso3a": "GBP",
"dccbaseamount": "1050",
},
"iat":1559033849,
"iss":"jwt.user"
}
You will need to check the response JWT to confirm that the payment was successful. As with a standard payment, you will need to pay particular attention to the errorcode and settlestatus fields.
Select acquirers may require certain information to be displayed to the customer in a receipt, following a transaction, such as the conversion rate used and the name of the conversion rate provider. Please be sure to check with your acquiring bank that you are displaying all the information required.
Field specification
| Field | Format | Description | |
|
accounttypedescription XPath: /operation/accounttypedescription |
Alpha (20) | This must be submitted as “ECOM” (e-commerce). |
|
baseamount XPath: /billing/amount |
Numeric (13) | The amount in the final currency. This should be in base units with no commas or decimal points, so £10 would be 1000. |
|
currencyiso3a XPath: /billing/amount/@currencycode |
Alpha (3) | The final currency. |
|
dccbaseamount XPath: /billing/dcc/amount |
Numeric (13) | The amount in the merchant’s currency. This should be in base units with no commas or decimal points, so £10 would be 1000. |
|
dccconversionrate XPath: /billing/dcc/conversionrate |
Numeric (255) | The conversion rate used to calculate the amount in the customer’s currency. |
|
dccconversionratesource XPath: /billing/dcc/conversionratesource |
Alphanumeric (255) | The source of the conversion rate returned from the DCC provider. |
|
dcccurrencyiso3a XPath: /billing/dcc/amount/@currencycode |
Alpha (3) | The merchant’s currency in iso3a format. |
|
dccmarginratepercentage XPath: /billing/dcc/marginratepercentage |
Numeric (11) | The percentage used to calculate the currency conversion fee (4 decimal places), automatically added to the amount in the customer’s currency by the DCC provider. |
|
dccoffered XPath: /billing/dcc/offered |
Numeric (1) | This value represents whether the customer has chosen to pay in the customer’s currency or the merchant’s currency.
1 – Customer has chosen to pay in the customer’s currency. 2 – Customer will pay using the merchant’s currency because DCC was not offered (e.g. the merchant did not provide the customer the choice between currencies and/or the CURRENCYRATE request encountered an error). 3 – The customer has chosen to pay in the merchant’s currency. |
|
dccprovider XPath: /billing/dcc/provider |
Alphanumeric (255) | The name of the third-party DCC provider that has provided the conversion rate used in the payment. |
|
dccproviderdata XPath: /billing/dcc/dccproviderdata |
Alphanumeric (255) | A unique string that contains information on the calculated conversion rate, returned directly from certain conversion rate providers. |
|
dcctype XPath: /billing/dcc/dcctype |
Alpha (3) | The value submitted must be “DCC”. |
|
parenttransactionreference XPath: /operation/parenttransactionreference |
Alphanumeric & hyphens (25) |
Retrieve the transactionreference value from the CURRENCYRATE response, and submit this in the parenttransactionreference field in the payload of the JWT.
Note: We support the ability to perform currency conversion using your own DCC provider. In such a case, the parenttransactionreference field is not required. Click here for further information. |
|
sitereference XPath: /operation/sitereference |
Alphanumeric & underscore (50) |
Unique reference that identifies your Trust Payments site. |
Testing
We recommend that you thoroughly test your solution before processing live payments.
Click here for test card details that you can submit when testing.